So the humble cheque is to stay. I never understood why they sought to abolish cheques but replace with a different means of payment that was similar. Sounded more like change for the sake of change. As a trustee of several charities it worried me quite a bit but was equally worrying for me as a champion of SMEs. Of course usage was falling as electronic methods become more widely available but it looked to me like a cost saving exercise. At least the banks had the good grace to admit they got it wrong. Perhaps in another generation they can revisit the subject but if I were a bank I would concentrate on giving good service and avoiding going bust.